About MCU

The MCU2 Student Banking Program offers a full range of financial services to help college students by offering them smart ways to manage their money today and plan for what's ahead.


  • Checking Account – no minimum deposit to open, no monthly service fee
  • MCU² Debit Card - three (3) ATM fee refunds up to $7.50 per month*
  • Savings Account- minimum balance charge is waived if your share (savings) account was opened within the last five years and the member is under the age of 25
  • MCU² VISA® Card – 0% Introductory APR for the first 6 months**, no annual fee, no hidden fees
  • Loans - Personal Loans and Auto Loans with low interest rates, affordable payments and flexible terms.
  • Financially Fit Series: take advantage of the tools and education you need to navigate the basics of personal finance such as budgeting, understanding credit and identity theft. For more information on our Financially Fit Series, email us at financialfit@nymcu.org

*If you initiate a transaction from an ATM not owned by MCU, a separate fee may be imposed by the ATM operator or by any network, regional or local network utilized to effectuate the transaction. We will credit your account for three (3) of these types of transactional fees per month, which credit shall not exceed $7.50.

** APR = Annual Percentage Rate. Introductory APR for new cardholders on new purchases and balance transfer is 0% for the first 6 months that your account is open. After the introductory period expires, currently 12.40% based on your creditworthiness–this post-introductory APR may vary. Balance transfers from another MCU loan or MCU VISA Card are not permitted. The APR for Cash Advances for all VISA cards is a fixed 17.90%. Cash Advance Fee for the MCU² VISA Card is 3% of the amount advanced but not less than $2.00 or more than $30.00. If interest is charged the minimum periodic interest charge is $0.50. There is a foreign transaction fee of 1% of each transaction in U.S. dollars. Certain restrictions apply.

Loan products are available to members 18 years of age and older and subject to credit approval.

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Routing Number: 226078036

NMLS #:184286

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.